Tony Valdez, Lower Mortgage
Loan Officer | NMLS# 448616
At Lower, LLC we understand the importance of home financing. We have the knowledge and experience you can count on to deliver a simple and hassle-free lending experience. Whether you are buying your first home, refinancing or moving up, L... Show More
Location & Business Hours
Business Hours
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9 AM to 5 PM
Sat
closed
Sun
closed
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Reviews from Web
I WOULD HAVE LIKED YOU TO HAVE GOTTEN US A LOWER INTEREST RATE OR MAYBE ADVISED US OF WHAT ELSE WE COULD HAVE DONE TO LOWER THE PAYMENT AND INTEREST RATE. WE NEVER REALLY HAD A OPTION ON THAT YOU JUST CALLED AND SAID OK THIS IS WHAT WE GOT...
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Grt
Appreciated all the help and information I received from every member on this team. Made this process go by really smooth and easy. Great team!
The entire process was very satisfying, non obtrusive, with exception of final doc signing 100% electronic process. Tony locked me in on an excellent rate saving me lots of $$$. Thank you
Top notch experience!!!Tony & his Team made the entire process seamless & worry-free! They kept us well-informed,provided updates through the entire process-from the start to loan funding! Tony & his Team were very honest, were always there...
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Tony is the whole package. He is a true professional who combines a great work ethic with a personal touch that make the, sometimes painful, process a pleasure.
Ok
Personable - Understanding - Experienced - Talented - Goal Oriented - Fast Acting - Successful.
Just a few of the words that describe Tony's character and personality.
Tony made the entire process from start to finish extremely smooth. All I did was upload my financial documents and he took care of the rest. Tony and his team were very professional and responsive throughout. Most importantly, during these...
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They was a little miscommunication in the overall process with documents already submitted.
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About
At Lower, LLC we understand the importance of home financing. We have the knowledge and experience you can count on to deliver a simple and hassle-free lending experience. Whether you are buying your first home, refinancing or moving up, Lower, LLC offers a wide variety of mortgage products suited to fit the needs of our clients. With our industry-leading customer service, we’re sure to find the home financing that is right for you.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
Specialities
Military Loan Specialist;
Investment Purchase Specialist
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Positions
- Lower Mortgage - Loan AdvisorDec 1st, 2025 - Current
Memberships
- NAHREP San Fernando Valley
- SRAR
- NAHREP
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
1998
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS# 448616
Hobbies
- Golf
- Family
- Baseball
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Disclaimer
© 2026 Lower, LLC | NMLS ID# 1124061 | 5950 Symphony Woods Road Suite 312 Columbia, MD 21044 | Equal Housing Opportunity | https://nmlsconsumeraccess.org/ | Not an offer of credit or commitment to make a loan; all approvals are subject to underwriting guidelines including but not limited to acceptable current credit worthiness, income history, debt ratio, etc. Loan programs & options are subject to change at any time. Rates will vary depending on your loan term, loan type, credit profile, down payment, and qualifying ratios. Rates can change daily. Some restrictions may apply. Lower conducts business in 47 states for licensing information please visit - https://www.lower.com/legal/license-information.